4609 Laurel Ridge Ct, Cincinnati, OH 45244 Property Records

Clermont County property record for 4609 Laurel Ridge Ct, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,472 sqft · built 1992
Lot Size	0.11 acres (4,996 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jan 2026)
Tax Bill	$4,087 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-72-01A-058`

Property Details

APN / Parcel Number

Primary APN	`41-72-01A-058`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,472 sqft Living Area
1st Floor Area	676 sqft
Family Room	Family Room

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	4,996 sqft (0.11 acres)
View / Lot	Cul-de-sac
Garage Area	460 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	18 sqft
Patio Area	299 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4609 LAUREL RIDGE CT
City	CINCINNATI
State	OH
Zip	45244-1494
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAUREL MEADOWS B; LOT 58
Legal Subdivision	LAUREL MEADOWS
Legal Lot Number	58
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	4
Census Block	4007
Census Tract	41405

Owner

Source: Clermont County records, as of June 3, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4609 LAUREL RIDGE CT, CINCINNATI, OH 45244-1494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Apr 2, 2020	Warranty Deed, Transfer · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Nov 14, 2019	Deed of Trust, Mortgage · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Apr 2, 2020 · Amount on Record
Deed Document Number	20261551
Deed Book / Page	3013 / 3739
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4609 LAUREL RIDGE CT, CINCINNATI, OH 45244-1494
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025441
Date	Dec 1, 2025
Book Page	3009/3415
Instrument	202500025441

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 1, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Jan 21, 2026
Property Address	4609 LAUREL RIDGE CT, CINCINNATI, OH 45244-1494
Document Number	0000001551
Book / Page	3013 / 3739
Map Reference	CAB 4 PG 318&319
Instrument Date	Jan 15, 2026
Instrument	202600001551
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4609 LAUREL RIDGE CT, CINCINNATI, OH 45244-1494

Mortgage

Document Number	0000001552
Date	Jan 21, 2026
Instrument	202600001552

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Apr 2, 2020
Property Address	4609 LAUREL RIDGE CT, CINCINNATI, OH 45244-1494
Document Number	0000007934
Book / Page	002834 / 004029
Instrument Date	Mar 27, 2020
Instrument	7934
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	MATTINGLY FORD TITLE COMPANY, MATTINGLY FORD TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4609 LAUREL RIDGE CT CINCINNATI OH 452441494, CINCINNATI, OH 45244-1494

Mortgage

Document Number	7935
Date	Apr 2, 2020
Book Page	002834/004031
Instrument	7935

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4609 LAUREL RIDGE CT, CINCINNATI, OH 45244-1494
Document Number	0000026416
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAP TITLE CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4609 LAUREL RIDGE CT CINCINNATI OH 452441494, CINCINNATI, OH 45244-1494

Mortgage

Document Number	0000026416
Date	Nov 19, 2019
Book Page	002823/004728
Instrument	26416

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.29%

Tax Assessment & Valuation

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Union Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,087.00 (-0.2%)	$81,210 (-) Land $17,400 Building $63,810
2024	$4,095.00 (-49.3%) Homeowner's exemption	$81,210 (-) Land $17,400 Building $63,810	$232,000 (-) Land $49,700 Building $182,300
2023	$8,077.00 (+135.76%) Homeowner's exemption	$81,210 (+38.11%) Land $17,400 Building $63,810	$232,000 (+38.1%) Land $49,700 Building $182,300
2022	$3,426.00 Homeowner's exemption	$58,800 Land $12,600 Building $46,200
2020			$168,000 Land $36,000 Building $132,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 6, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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